Adams County, IL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 2,384 mortgage applications in Adams County, IL totaling $242.2 million, up 60% from 2008. The average application was for $101,000, and applicants reported an average income of $59,000. 65% of applications resulted in an originated loan and 9% were denied. The most active lender was Mercantile Bank, with 829 applications, followed by First Bank and Bank of America, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,384 |
| Total Mortgage Loan Application Amount | $242,199,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $1,470,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,200,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mercantile Bank 200 NORTH 33RD ST QUINCY, IL 62305 |
* | $ 771,583,000 | 829 | $ 77,421,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,737,031,000 | 151 | $ 14,137,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 149 | $ 16,790,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 533,469,000 | 128 | $ 13,052,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 1,441,455,000 | 116 | $ 11,782,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 108 | $ 10,979,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 103 | $ 11,450,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 89 | $ 7,617,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 64 | $ 6,598,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 62 | $ 6,044,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 52 | $ 5,711,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 23,843,152,000 | 50 | $ 4,271,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 39 | $ 4,304,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 35 | $ 1,922,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 28 | $ 4,443,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 236,301,000 | 23 | $ 2,392,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 20 | $ 2,011,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 614,625,000 | 17 | $ 1,066,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 16 | $ 2,776,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 16 | $ 2,061,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 15 | $ 1,371,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 14 | $ 1,521,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 227,737,000 | 13 | $ 2,002,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 13 | $ 1,561,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 12 | $ 559,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 234,809,000 | 9 | $ 472,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 7 | $ 1,171,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SAINT LOUIS, MO 63141 |
* | $ 10,000,000 | 7 | $ 451,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 6 | $ 372,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 791,055,000 | 5 | $ 578,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 1,396,918,000 | 5 | $ 448,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 5 | $ 531,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 5 | $ 410,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 414,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 304,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 4 | $ 682,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 505,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 4 | $ 710,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,040,521,000 | 3 | $ 416,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 302,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,519,961,000 | 3 | $ 307,000 |
| Boulevard Bank 111 E MAIN ST NEOSHO, MO 64850 |
* | $ 138,486,000 | 3 | $ 333,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 678,723,000 | 3 | $ 327,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 355,706,000 | 3 | $ 536,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 491,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 3 | $ 893,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 3 | $ 431,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 226,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 204,000 |
| Gorman & Gorman Res Mtg Srv in 11960 WESTLINE INDUSTRIAL DR., S-110 ST. LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 2 | $ 282,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 166,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 2 | $ 208,000 |
| Dovenmuehle Funding, Inc 1 CORPORATE DRIVE SUITE 360 LAKE ZURICH, IL 60047 |
* | $ 10,000,000 | 2 | $ 115,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 2 | $ 109,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 543,280,000 | 2 | $ 696,000 |
| Gershman Investment Corp. 7 N. BEMISTON ST. LOUIS, MO 63105 |
* | $ 31,000,000 | 2 | $ 261,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 273,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 345,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 2 | $ 452,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 2 | $ 523,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 2 | $ 368,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 2 | $ 149,000 |
| Bankmortgagesolutions LLC 14425 COLLEGE BLVD SUITE 100 LENEXA, KS 66215 |
* | $ 11,000,000 | 2 | $ 372,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 2 | $ 362,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 254,000 |
| Alpine Bank & Trust Co. 1700 N ALPINE RD ROCKFORD, IL 61107 |
* | $ 907,168,000 | 2 | $ 152,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 2 | $ 286,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 2 | $ 215,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 2 | $ 175,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 343,417,000 | 2 | $ 269,000 |
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 288,275,000 | 2 | $ 168,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ 2,751,640,000 | 2 | $ 54,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 242,000 |
| Bank of Kampsville P.O BOX 245 KAMPSVILLE, IL 62053 |
* | $ 88,751,000 | 1 | $ 104,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 731,442,000 | 1 | $ 200,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 61,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,100,000 | 1 | $ 70,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 185,045,000 | 1 | $ 68,000 |
| The Privatebank and Trust Co. 120 SOUTH LASALLE STREET CHICAGO, IL 60603 |
* | $ 8,449,185,000 | 1 | $ 82,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 542,235,000 | 1 | $ 163,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 44,958,963,000 | 1 | $ 98,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 542,847,000 | 1 | $ 101,000 |
| Midwest Heritage Bank, FSB 1025 BRADEN AVENUE, P. O. BOX 331 CHARITON, IA 50049 |
* | $ 140,844,000 | 1 | $ 312,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 6,513,521,000 | 1 | $ 58,000 |
| Wsfs Bank 500 DEALWARE AVENUE WILMINGTON, DE 19801 |
* | $ 3,433,832,000 | 1 | $ 73,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 1 | $ 113,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 259,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 78,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 9,262,734,000 | 1 | $ 171,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 861,403,000 | 1 | $ 66,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 89,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 1,470,000 |
| Stillman Banccorp NA 101 E. MAIN STREET P.O. BOX 150 STILLMAN VALLEY, IL 61084 |
* | $ 328,387,000 | 1 | $ 72,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 67,306,679,000 | 1 | $ 320,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 258,044,000 | 1 | $ 194,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 1 | $ 97,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 60,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 95,000 |
| Carlinville National Bank 450 WEST SIDE SQUARE CARLINVILLE, IL 62626 |
* | $ 201,236,000 | 1 | $ 79,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 58,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Mortgage Now, Inc. 1161 BROAD ST SUITE 212 SHREWSBURY, NJ 07702 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 233,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 139,000 |
| South Central Illinois Mtg LLC 200 E. HOMER ADAMS PARKWAY ALTON, IL 62002 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Amtec Funding Group, Llc. 3330 HARBOR BOULEVARD COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 100,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 556,487,000 | 1 | $ 142,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 159,099,000 | 1 | $ 19,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 12,000 |
| Hudson City Savings Bank WEST 80 CENTURY ROAD PARAMUS, NJ 07652 |
* | $ 53,906,227,000 | 1 | $ 399,000 |
| Hartland Mortgage Centers 1900 W 75TH ST WOODRIDGE, IL 60517 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 529,362,000 | 1 | $ 230,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 20,000 |
| Mill City Credit Union 9999 WAYZATA BOULEVARD MINNETONKA, MN 55305 |
* | $ 238,577,000 | 1 | $ 25,000 |
| Neighbors Credit Union 6300 S LINDBERGH BLVD SAINT LOUIS, MO 63123 |
* | $ 202,704,000 | 1 | $ 27,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 102,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 41,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 48,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Townstone Finanacial, Inc. 1141 W RANDOLPH CHICAGO, IL 60607 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 104,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 308,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 205,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 9,000 |
The tables below break down 2009 mortgage applications in Adams County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Adams County, IL in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,541 | $169,292,000 | $109,000 | $1,470,000 | $61,000 | $600,000 |
| Home Purchase | 735 | $67,448,000 | $91,000 | $417,000 | $54,000 | $1,200,000 |
| Home Improvement | 108 | $5,459,000 | $50,000 | $250,000 | $68,000 | $838,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,074 | $207,325,000 | $99,000 | $425,000 | $60,000 | $1,200,000 |
| Not Provided | 141 | $15,002,000 | $106,000 | $417,000 | $62,000 | $280,000 |
| Not applicable | 94 | $9,605,000 | $102,000 | $399,000 | $24,000 | $181,000 |
| Black or African American | 31 | $3,072,000 | $99,000 | $195,000 | $54,000 | $145,000 |
| Asian | 21 | $4,536,000 | $216,000 | $1,470,000 | $92,000 | $514,000 |
| Hispanic | 17 | $1,971,000 | $115,000 | $417,000 | $80,000 | $403,000 |
| American Indian or Alaskan Native | 6 | $688,000 | $114,000 | $212,000 | $75,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,731 | $175,724,000 | $101,000 | $1,470,000 | $68,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 471 | $48,722,000 | $103,000 | $396,000 | $41,000 | $429,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 117 | $10,365,000 | $88,000 | $195,000 | $14,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 65 | $7,388,000 | $113,000 | $352,000 | $40,000 | $152,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,546 | $157,284,000 | $101,000 | $425,000 | $66,000 | $1,200,000 |
| Loan Purchased By The Institution | 307 | $31,736,000 | $103,000 | $399,000 | $28,000 | $195,000 |
| Application Denied By Financial Institution | 226 | $20,916,000 | $92,000 | $417,000 | $51,000 | $838,000 |
| Application Withdrawn By Applicant | 151 | $15,199,000 | $100,000 | $404,000 | $61,000 | $450,000 |
| Application Approved But Not Accepted | 128 | $14,292,000 | $111,000 | $1,470,000 | $64,000 | $514,000 |
| File Closed For Incompleteness | 24 | $2,541,000 | $105,000 | $365,000 | $46,000 | $122,000 |
| Preapproval Denied by Financial Institution | 2 | $231,000 | $115,000 | $161,000 | $48,000 | $77,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 46 | $3,342,000 | $72,000 | $250,000 | $66,000 | $838,000 |
| Collateral | 36 | $4,132,000 | $114,000 | $396,000 | $64,000 | $185,000 |
| Debt-To-Income Ratio | 34 | $3,947,000 | $116,000 | $346,000 | $47,000 | $313,000 |
| Credit Application Incomplete | 18 | $1,990,000 | $110,000 | $252,000 | $45,000 | $130,000 |
| Other | 8 | $774,000 | $96,000 | $196,000 | $49,000 | $117,000 |
| Unverifiable Information | 3 | $131,000 | $43,000 | $57,000 | $32,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $435,000 | $145,000 | $238,000 | $46,000 | $75,000 |
| Mortgage Insurance Denied | 1 | $94,000 | $94,000 | $94,000 | $25,000 | $25,000 |
| Employment History | 1 | $56,000 | $56,000 | $56,000 | $14,000 | $14,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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